GERALD R. MCKISSICK

Senior Underwriter

Moraga, California

Cell: 925-***-****

ad0evx@r.postjobfree.com

Proven customer service satisfaction and support professional with a record of increased responsibility. Strong understanding of credit processes, lending policies, and current financial environments. Proficient in prioritizing and completing tasks in a timely manner, yet flexible to multitask. To secure an underwriting position with a well-established organization with an environment that will lead to a lasting relationship in the field of underwriting. Amerinatl/

Ottimo-Resources Houston,

Tx

Auditor-Underwriter

06-20-2022 /11-2022

Underwrote for Texas Mortgage Relief

Program for delinquent Home Owners

MHOT/Americasa– Houston, TX

FINANCE MANAGER-SENIOR UNDERWRITER

08-2021/02-2022

Underwriting for In-House Financing and Coordinating Loan Services for In-House Assets & dealing with Credit Line Lender.

Developed and maintained a high level of knowledge regarding products, services and operations of the company.

Cultivated relationships with company clients through frequent meetings and discussions.

Delegated authority in 100% alignment with corporate underwriting guidelines, policies, and procedures. The Stonehill Group- Florida

UNDERWRITER - REMOTE

11-2020/08-2021

Underwriting for Wholesale and Consumer Clients. Conforming & High Balance. Worked in QC & Due Diligence Depts.

Responsible for assessing the credit risk of loans and making an approval or decline decision based on internal underwriting guidelines, investor requirements, and federal regulations to ensure loan quality and production standards.

Monitored lending pipeline and supervised controls to ensure loans are meeting regulatory requirements and timelines. Digital Risk – Florida

UNDERWRITER – REMOTE

08-2020/11-2020

Conducted comprehensive analysis and evaluated risk to control underwriting loss.

Compiled coverage and rating information in an accessible format.

Presented and clearly explained policy options based on clients’ needs and goals.

Underwriting modifications for Mortgage Loans.

OPUS-Capital Markets Consultants LLC –

Florida

FORENSIC UNDERWRITER-REMOTE

07-2020 /8-2020

Audited Seasoned Mortgage Loans from previous years in preparation for possible legal action.

Underwrote all loans following secondary market guidelines of the years of origination, Put forth my underwriting decisions.

Evaluate merchant applications to eliminate high risk requests for funding.

Perform detailed financial analysis on the small business, including trend and ratio analysis, and interpret the financial information to determine credit quality and cash flow adequacy. Direct Connect Field Services – Houston, TX

INSURANCE INSPECTOR - CONTRACTOR

02-2018/ 06-2019

Viewed damaged properties in the North Houston area.

Produced visual and written description of damaged homes and submitted evaluations.

Maintained all necessary quality records and documents.

Verified data to ensure the validity of claims.

Interpreted and explained policy regulations, exclusions, and coverage for the insured. Bank of the West – San Ramon, California

UNDERWRITER II

10-2016/07-2017

Underwrote a minimum of 5 new loans with at least 15 touches of pipeline loans a day, these loans were internal business of the bank including Freddie Mac and Fannie Mae Conforming, High Balanced and Jumbo loans. Also, Non- QM loans which the bank funded and serviced internally.

All loans were underwritten in compliance with secondary market guidelines and regulatory requirements.

All loans were structured to meet Bank of the West’s overlays.

Managed loan up to $2.00 million.

Sindeo – San Francisco, California

UNDERWRITING VP-MGR.

03-2014/09-2016

Put together an operational staff which includes loan agents, processors, coordinators, closers and funders to deal with all our business production.

Started working as a brokerage and moved through wholesale to wind up as a correspondent.

Developed the associations needed for the production outlets, originally from original Lenders both broker and wholesale to getting approvals from Fannie Mae, Freddie Mac and FHA.

Secured warehouse lines of credit with banks and Secondary Lenders. Wells Fargo – Walnut Creek, California

UNDERWRITER I

02-2013/01-2014

Underwrote conforming loans for In-House reps-followed Fannie Mae guidelines with Wells Fargo overlays and regulatory requirements. Reach corporate bonus goals every month.

Evaluate and ensure overall loan documents are accurate, complete, and compliant.

Identified, recommended and, or negotiated alternatives loan requirements, funding and, or loan structuring solution.

Signing authority was $415,000.

CD Mortgage Group – Concord, California

UNDERWRITER/VP

04-2006/02-

2013

Managed a staff of 11 employees to produce a variety of home mortgages-from origination to funding Evaluated financial strength of individuals and businesses by analyzing financial statements and other credit documents.

Investigating information received from reports and other business units and making appropriate updates to the policy.

Applying underwriting acumen while complying with state rules and regulations.

Analyzing complex financial documents and credit information for the review of files for approving, and or recommending specific modified treatments for each account.

VP/ MANAGER, 2001-2006

Westone Financial Group – Concord, California

o Strategic planning and leadership

o Organizational management

o Staff training and development

o Multitasking

o Decision making under high pressure.

o High ethical standards

o Certified FHA Manual Underwriter

o Byte Pro

o Fannie Mae-Freddie Mac Platforms

o Detail-Oriented

o Encompass

o Calyx Point

o Time-Managing Abilities

o Spanish

o Revenue & Profit Growth

o Process improvement

o Business Intelligence & Reporting

o Network Administration

o Technical Documentation

o English

o Spanish

● BACHELOR OF ARTS, COMMUNICATION

o Brigham Young University, Provo, Utah

● NMLS # 303825

KEY SKILLS & COMPETENCIES

OTHER EXPERIENCE

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